Credit Cards
I've taken cash advances just to survive. Now I use cards strategically. Here's the difference between cards that help and cards that hurt.
Find cards for your credit score
750+
Excellent
All premium cards, best sign-up bonuses
700-749
Good
Most rewards cards, good rates
650-699
Fair
Building cards, some rewards
Below 650
Building
Secured cards, student cards
What are you trying to do?
Different cards for different goals. Pick the one that matches your situation.
Maximize Rewards
2-5% back on all spending. Best for high spenders who pay in full monthly.
Best for: Good-excellent credit (700+)
0% APR on Purchases
12-21 months to pay off large purchases interest-free.
Best for: Planned large expenses
Pay Off Existing Debt
Transfer high-interest balances to 0% APR for 15-21 months.
Best for: Credit card debt at 15%+ APR
Simple Cashback
Flat 1.5-2% cash back on everything. No categories to track.
Best for: People who want simplicity
How 0% APR Actually Works
It sounds too good to be true, but it's real—if you understand the rules.
How It Helps You
- •12-21 months with no interest on purchases or balance transfers
- •Every dollar goes to paying down the actual debt, not interest
- •Great for medium-sized expenses you can pay off in 12-18 months
What to Watch Out For
- •After promo ends, remaining balance accrues interest at 20-30% APR
- •Balance transfer fees are typically 3-5% upfront
- •Credit limit is determined after approval—not guaranteed in advance
0% APR is Perfect For You If...
Your plan:
Pay it off in 12-18 months
Your credit:
Good enough for approval (650+)
Your discipline:
Won't rack up new debt
My Credit Card Rules
The rules I live by
Pay in full every month
If you carry a balance, the interest erases any rewards you earned. Period.
Set up autopay immediately
One missed payment tanks your credit and triggers penalty APR. Automate it.
Keep old cards open
Credit age and utilization matter. That old card with no fee? Keep it active with a small recurring charge.
Don't max out your limit
Try to use <30% of your credit limit. High utilization = lower score.
Quick Reference
Do This
- Pay your balance in full every month
- Set up autopay to never miss a payment
- Use 0% APR for planned large purchases
- Keep old accounts open for credit history
- Check your credit score regularly (free)
Avoid This
- Carry a balance month to month
- Open cards just for the bonus
- Max out your credit limit
- Apply for multiple cards at once
- Close old cards (hurts credit age)
Common Questions
Ready to find the right card?
Compare offers based on your credit score and goals.
Compare Credit CardsAffiliate link—I earn a commission if you're approved